Naples, Florida
Marc represents your Riverstone purchase from the recorded documents forward: the HOA disclosure, the FEMA determination, the roof and the full yearly cost.
By Jesse McGreevy and Marc Comisar, McGreevy and Comisar, Domain Realty Group. Updated October 2026 · Market data from the Southwest Florida MLS pulled September 15, 2026 and Collier County recorded sales through August 31, 2026
Buying a home in Riverstone means buying one of 802 single-family homes behind a single gate in North Naples, ZIP 34119, a G.L. Homes community built from 2012 to 2017 in unincorporated Collier County. This is Riverstone in North Naples, not the Riverstone communities in Davie, Land O’ Lakes or Lakeland. Our Riverstone community guide covers the land, the history and the amenities; this page covers what a buyer pays, signs and asks before an offer, in a part of Naples where the recorded rules matter as much as the floor plan.
Here is the short version. The Southwest Florida MLS recorded 36 Riverstone closings in the 12 months to September 15, 2026, at a $927,500 median, 58 median days on market and a 94.78 percent median sold-to-list ratio, and 14 homes were active that day, about 4.7 months of supply. The association bills $1,515 a quarter, $6,060 a year, and a buyer of a resale home pays a $3,030 capital contribution at closing. The Collier County certified 2026 roll shows a $6,684.57 median tax bill.
That is the cost of entry, and the rest of this page explains each number with its record and its date. If you will sell a home before you buy, read our guide to selling a Riverstone home and our Riverstone home valuation guide. McGreevy and Comisar have been Top 1% Real Estate Agents Nationally Since 2008, and you can call Marc at (239) 287-5873 before you tour a single house.
McGreevy and Comisar represent Riverstone buyers from the recorded documents forward: the HOA disclosure summary, the 2016 Declaration and the Bylaws, the flood determination for your plat, the wind and roof file and the closing costs, all in hand before an offer. We are Top 1% Real Estate Agents Nationally Since 2008 and lead the #1 team in Southwest Florida since 2012.
With our Domain Realty Group team we have sold over $2.5 billion in real estate, and McGreevy and Comisar alone have over $900 million in personal sales; Domain Realty Group is the #5 real estate team in Florida (RealTrends 2026). We tracked all 36 Riverstone closings on the Southwest Florida MLS in the 12 months to September 15, 2026 and the 28 qualified sales in the Collier County record before writing a figure on this page. If you are comparing agents across the area, start with our guide to the best real estate agents in Naples, then book your Riverstone buyer consultation or call Marc at (239) 287-5873.
Honors and recognition:
Riverstone is a place where the paper matters. The recorded Amended and Restated Declaration runs 133 pages, the buyer-paid capital contribution lives in the Bylaws and not the Declaration, the Rules are recorded and bar For Sale signs, and the flood answer has two halves that a lender’s vendor can read differently. A buyer’s agent who has not read those documents will find them for you during your inspection period, and the clock does not stop.
Before you tour we agree what you need from the house: plan and living area, lake or preserve position, roof and window protection, garage count, and the monthly cost you want to land on. We then pull the active listings, the closings that match them and the HOA documents for each home you like, and we write the offer with the contingencies Riverstone’s paperwork makes necessary. Marc leads buyer representation and negotiation; call Marc at (239) 287-5873.
This page publishes no insurance premium, no individual home’s storm history and no resident opinion, because the public record carries none. Where the association does not publish a figure, such as its operating budget or the estoppel fee it charges, we say so and tell you which document answers it.
These are the facts a Riverstone buyer needs in October 2026, from the Southwest Florida MLS pull of September 15, 2026, the Collier County certified 2026 roll and recorded sales through August 31, 2026, the association’s recorded instruments and FEMA’s determinations, each explained below with its record.
Buying in Riverstone right now means a negotiating market with limited choice: 14 homes were active on September 15, 2026, at a $1,199,000 median list and a range of $719,900 to $2,195,000, while 36 closings in the prior 12 months sold at a $927,500 median and 94.78 percent of list, so a buyer who offers on evidence has room.
Data updated: October 2026 (Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll and recorded qualified sales through August 31, 2026)
| Measure, MLS closed set | Value |
|---|---|
| Closings | 36 |
| Median sold price | $927,500 (mean of $920,000 and $935,000) |
| Median list price | $984,500 |
| Median living area | 2,830 sq ft |
| Median days on market | 58 (range 0 to 319) |
| Median sold-to-list | 94.78 percent (range 87.61 to 100.00 percent) |
| Closings at or above list | 2 of 36 |
| Median list-to-sold gap | $50,000 |
| Closed within 30 days on market | 13 of 36 |
| Took more than 120 days | 10 of 36 |
| Sold range and volume | $605,000 to $2,225,000, $36,970,000 |
Source: Southwest Florida MLS Matrix, Development field, closed 0 to 365 days, pulled September 15, 2026. n is 36, so each median is the mean of the middle pair.
| Measure, MLS active set | Value |
|---|---|
| Homes active | 14 |
| Median list price | $1,199,000 (range $719,900 to $2,195,000) |
| Median days on market, active | 98 |
| Months of supply | 4.7 (14 active against 36 closings a year) |
| Active at or under $999,999 | 6 |
| Active from $1,000,000 to $1,499,999 | 2 |
| Active at $1,500,000 and over | 6 |
Source: Southwest Florida MLS Matrix, Development field, active, pulled September 15, 2026. The pull is six weeks old on the day this page was published, so call Marc at (239) 287-5873 for the count today.
The county record counts different things from the MLS. In the 12 months from October 2025 to August 31, 2026, Collier County recorded 28 qualified improved sales against Riverstone parcels, at a $910,000 median, from $605,000 to $2,225,000, and all 28 were resales with none direct from the builder. The county file is dated August 29, 2026 and its newest recorded sale is August 31, 2026. The 28 and the 36 are different populations, and the two median sale prices sit $17,500 apart, 1.9 percent.
Fourteen active homes in a community of 802 is a narrow field, and 6 of the 14 list at $1,500,000 or more while 22 of the 36 closings were under $1,000,000. A buyer under $1,000,000 therefore has the most closings to compare, 22 of 36, and 6 of the 14 active homes at that level. The 98-day median for active homes against 58 for homes that sold means the longer-listed homes are the ones to examine for price.
A written buyer agreement comes before the first tour under the 2024 NAR settlement rules, a lender letter should name the flood position of your plat, and the HOA disclosure summary must reach you before you sign a contract. We lay out each step below.
Tell us your price ceiling, the size you need and whether you want lake or preserve behind the house, and we will send the active homes, the matching closings and the monthly cost of each. Start with your Riverstone buyer consultation or see how we represent buyers, then call Marc at (239) 287-5873. Selling a home first? Call Jesse direct at (239) 898-6072.
Riverstone homes cost $605,000 to $2,225,000 by MLS closing, and size sets the tier: homes under 2,400 square feet of living area closed at a $720,000 median, 3,000 to 3,499 square feet at $995,000 and homes of 3,500 square feet and over at $1,525,000, though the same floor plan can sell far apart.
Data updated: October 2026 (Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll and recorded qualified sales through August 31, 2026)
| Living area band | Closings | Median sold | Range | Median $ per living sq ft | Median days on market | Median sold-to-list |
|---|---|---|---|---|---|---|
| Under 2,400 | 15 | $720,000 | $605,000 to $975,000 | $345.99 | 53 | 96.78% |
| 2,400 to 2,999 | 3 | $1,000,000 | $935,000 to $1,100,000 | $394.01 | 33 | 93.50% |
| 3,000 to 3,499 | 11 | $995,000 | $875,000 to $1,310,000 | $324.74 | 69 | 94.74% |
| 3,500 and over | 7 | $1,525,000 | $1,200,000 to $2,225,000 | $331.86 | 37 | 93.97% |
Source: Southwest Florida MLS Matrix, Riverstone closed set, 12 months to September 15, 2026, living area as entered in the MLS.
The same plan sells at different prices. In the same 12 months, six homes of 2,081 square feet closed from $605,000 to $800,000, a $195,000 spread; three homes of 3,051 square feet closed from $900,000 to $1,275,000, a $375,000 spread; three homes of 3,215 square feet closed from $900,000 to $1,310,000, a $410,000 spread, which is 45.6 percent above the low sale; two homes of 4,113 square feet closed at $1,350,000 and $1,362,500; and two homes of 4,980 square feet closed at $1,600,000 and $2,225,000.
That spread is the reason a buyer should not read a plan’s median as its price. Lot position (lake, preserve or interior), condition, upgrades and the age of the roof move a Riverstone price more than the community median does. Measured from county parcel polygons, 406 of the 802 homes (50.6 percent) sit on a lake and 70.7 percent back to a lake or a preserve, so the first cut on any tour is water, preserve or neither.
The county and the MLS divide by different areas. The county measures total area under roof, including the garage and lanai, and puts the median Riverstone house at 3,422 square feet; the MLS records living area, the air-conditioned space, at a median 2,830 square feet. The county median of $291.21 per square foot comes from 27 qualified deeds recorded from September 15, 2025 to September 14, 2026, and the MLS median of $342.91 from 36 closings, and neither is restated against the other’s denominator on this page.
| Year | Sales | Median | Low | High |
|---|---|---|---|---|
| 2019 | 54 | $592,500 | $400,000 | $1,265,000 |
| 2020 | 71 | $645,000 | $396,000 | $1,034,500 |
| 2021 | 88 | $840,000 | $493,000 | $1,675,000 |
| 2022 | 49 | $1,180,000 | $645,000 | $2,200,000 |
| 2023 | 35 | $1,059,800 | $695,000 | $2,275,000 |
| 2024 | 28 | $1,400,000 | $740,000 | $2,000,000 |
| 2025 | 39 | $1,100,000 | $605,000 | $1,800,000 |
| 2026 through August 31 | 21 | $935,000 | $670,000 | $2,225,000 |
Source: Collier County Property Appraiser recorded qualified improved sales, file dated August 29, 2026, newest recorded sale August 31, 2026.
Medians by year swing with the mix of large and small homes that sold, so read the table as a record of the sales that happened, not as a price index.
The county’s just value is an assessment estimate, not a sale price. On the same 802 homes the median total just value was $573,203 in 2021, $866,063 in 2022, $991,412 at the 2023 peak, $920,038 in 2024, $919,777 in 2025 and $881,454 on the 2026 certified roll, a rise of 72.9 percent into the peak and a fall of 11.1 percent since. The median recorded sale runs above just value, which is ordinary, and the range of just value on the 2026 roll runs from $583,216 to $1,522,681.
A Riverstone owner pays $6,060 a year to the association and a median $6,684.57 in property tax on the certified 2026 roll, about $12,744.57 a year or $1,062.05 a month before insurance and any mortgage payment, with no community development district, no club dues and no sub-association adding a second bill.
The association’s published 2026 assessment is $1,515 a quarter, $6,060 a year, $505 a month, due January 1, April 1, July 1 and October 1. Every lot pays the same amount, whether it is a 45-foot lot or a 76-foot lakefront lot, because the Declaration makes the assessment equal per lot once the developer had conveyed all homes. The assessment funds the private streets, the gatehouse and access control, the clubhouse and everything on it, the twelve lake tracts and drainage system, the preserve tracts, common landscaping, perimeter walls, street lights, reserves and on-site management. It does not cover garbage collection, water and sewer, electricity or private alarm monitoring. The Declaration does not let an owner opt out by declining to use the facilities.
The association does not publish its operating budget, its reserve schedule, the estoppel fee it charges, its architectural review fee or any assessment history before 2026. Those come with the estoppel certificate and the resale documents, which is why we ask for them while your inspection period is still open.
On the Collier County certified 2026 roll, the median total tax bill across the 802 homes is $6,684.57, with a median ad valorem part of $6,414.80 and a range from $269.77 to $14,536.69, where the bottom of the range is a fully exempt home. Every one of the 802 homes carries a non-ad valorem line of $269.77 and no district line. The millage on the roll is 9.3696 mills in three groups: county 3.8969, school 4.1470 and other 1.3257.
Of the 802 homes, 581 (72.4 percent) are homesteaded on the 2026 roll. The median total bill is $6,181.77 for those 581 and $8,019.49 for the 221 that are not, a gap of $1,837.72. The seller’s bill is not your bill: a new owner’s assessment resets to just value, and the Save Our Homes cap does not carry to you except through portability from a prior Florida homestead. We give no projected figure for your bill; we give the two medians so you can see the range, and Florida law requires the seller to give you a property tax disclosure summary before the contract is signed.
| Yearly cost, Riverstone | Amount | Per month |
|---|---|---|
| Association assessment, 2026 | $6,060.00 | $505.00 |
| Median total tax bill, all 802 homes, certified 2026 roll | $6,684.57 | $557.05 |
| Total of the two | $12,744.57 | $1,062.05 |
| Same, using the homesteaded median bill ($6,181.77) | $12,241.77 | $1,020.15 |
| Same, using the non-homesteaded median bill ($8,019.49) | $14,079.49 | $1,173.29 |
Source: Riverstone at Naples Homeowners Association published 2026 dues; Collier County certified 2026 roll. Arithmetic is ours. The totals exclude homeowners insurance, flood insurance if you carry it, utilities and your mortgage payment.
Insurance is the one yearly cost this page does not price. Flood is rated per structure and wind per carrier, and no source in our files supports a community figure. Ask for a written quote on the specific address before your inspection period ends; the wind and flood sections below say what to bring to the agent.
At a Riverstone closing the buyer pays a $3,030 capital contribution to the association, a $100 sales application fee, the owner’s title policy by Collier County custom, the lender’s costs and recording, while the seller customarily pays the $0.70 per $100 deed stamps, $6,492.50 on a $927,500 price; the contract controls both.
Data updated: October 2026 (Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll and recorded qualified sales through August 31, 2026)
The capital contribution is twice the quarterly assessment, $3,030 at 2026 rates, charged to every purchaser of a resale home at closing under Bylaws section 9.8 as amended and recorded as instrument 5750719. A buyer who reads only the Declaration will conclude there is none, because the original working fund contribution was deleted by a 2012 amendment and the 2016 restated Declaration reads “intentionally deleted.” The fee moved into the Bylaws, was set at a flat $850 in 2018 and became twice the quarterly assessment in 2019. It reprices itself whenever the board changes the quarterly assessment, so confirm the amount on the estoppel certificate for your closing.
The association’s 2026 sales application carries a $100 non-refundable fee and must reach the management office at least seven business days before closing. The packet asks for the fully executed contract, identification for every applicant and every occupant over 18, an access control form and portal registration, a golf cart registration acknowledgement that must be signed even if you own no cart, and consents for electronic communication. No document we reviewed says a credit or criminal screening is run, so we do not tell buyers there is one.
In Collier County the buyer customarily pays the owner’s title policy and chooses the closing agent; the contract controls. Florida sets the owner’s policy premium by rule: $5.75 per $1,000 to $100,000 and $5.00 per $1,000 from $100,000 to $1,000,000, which on a $927,500 price is an estimated $4,712.50 ($575 plus $4,137.50). A lender’s policy, the settlement fee, the title search and the recording of the deed are additional; in our cost research settlement fees commonly run $500 to $1,500, title search and lien search $150 to $500 combined, and a deed records for about $18.50 to $35.50.
Florida charges $0.70 per $100 on a deed, which is $6,492.50 on $927,500, and the seller customarily pays it in Florida. It is not in a buyer’s cash to close unless your contract says otherwise.
If you finance, Florida charges a nonrecurring intangible tax of 2 mills (0.002) on the amount secured, which is $1,484 on a $742,000 loan, and documentary stamps on the note at 35 cents per $100, which is $2,597 on $742,000. The Department of Revenue page lists a $2,450 cap for promissory notes and no cap on mortgages, so your lender’s closing disclosure controls which applies; the 2 mill rate is the Department of Revenue’s published rate.
| Item, estimate for a $927,500 purchase with 20 percent down | Amount | Basis |
|---|---|---|
| Capital contribution | $3,030.00 | Twice $1,515, Bylaws section 9.8; confirm on the estoppel |
| Sales application fee | $100.00 | Association 2026 application |
| Owner’s title policy | $4,712.50 | Florida promulgated rate, estimate; Collier custom is buyer-paid |
| Intangible tax on a $742,000 loan | $1,484.00 | 2 mills; closing disclosure controls |
| Documentary stamps on the note | $2,597.00 | 35 cents per $100; closing disclosure controls |
| Itemized subtotal | $11,923.50 | Before the down payment |
Not in the subtotal because no figure in our files supports a Riverstone number: the lender’s own fees and policy, the settlement fee and title search ranges above, recording, a survey, a home inspection, wind mitigation and other inspections, prepaid insurance and escrow deposits. Property taxes are prorated, with the seller crediting the buyer for the seller’s days of ownership. Every line above is an estimate, and the lender’s closing disclosure controls.
With Freddie Mac’s survey for the week of 10/29/2026 at 7.24 percent for a 30-year fixed and 6.60 percent for a 15-year fixed, principal and interest on a $742,000 loan, 80 percent of the $927,500 median Riverstone MLS sold price, comes to $5,056.72 a month on the 30-year and $6,504.48 on the 15-year.
Data updated: October 2026 (Freddie Mac Primary Mortgage Market Survey, week of 10/29/2026; Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll)
| Illustrative, 20 percent down on $927,500 | 30-year fixed at 7.24% | 15-year fixed at 6.60% |
|---|---|---|
| Loan amount | $742,000 | $742,000 |
| Principal and interest | $5,056.72 | $6,504.48 |
| Association assessment ($6,060 a year) | $505.00 | $505.00 |
| Median tax bill ($6,684.57 a year) | $557.05 | $557.05 |
| Monthly total before insurance | $6,118.77 | $7,566.53 |
The rates are Freddie Mac’s weekly national averages from its Primary Mortgage Market Survey, not a quote from any lender. The payment is arithmetic on those rates and is illustrative; the tax figure is the current owners’ median, not a forecast of your bill.
| Purchase price | Loan at 80 percent | 30-year P&I at 7.24% | 15-year P&I at 6.60% |
|---|---|---|---|
| $800,000 | $640,000 | $4,361.59 | $5,610.33 |
| $927,500 | $742,000 | $5,056.72 | $6,504.48 |
| $1,000,000 | $800,000 | $5,451.99 | $7,012.91 |
| $1,200,000 | $960,000 | $6,542.38 | $8,415.50 |
Check the current week at Freddie Mac’s survey page, because the figures above are the week of 10/29/2026. Then ask your lender two Riverstone questions in writing: whether it will require flood insurance given the FEMA determination for your plat, and what documents it will need from the association.
Riverstone’s flood answer has two halves, in this order: the effective FEMA map places all 848 parcels in a Special Flood Hazard Area on panels 12021C0211H and 12021C0212H effective May 16, 2012, and seven FEMA determinations then removed all 802 homes from it, stating that the federal mandatory flood insurance requirement does not apply.
Every parcel centroid was tested against FEMA’s National Flood Hazard Layer. Of the 848 parcels, 771 fall in Zone AH, 77 in Zone AE and none in Zone X. The 77 Zone AE parcels follow the lake and flow-way edges along stretches of Atlantic Circle, Cinnamon Bay Circle, Baltic Drive, Crystal Way, Pacific Drive and Azure Bay Court. The February 2024 map revision was partial and coastal; Riverstone’s two panels were not among the revised panels and remain at suffix H. A flood-zone lookup on the map therefore returns AH or AE for a Riverstone address.
FEMA issued one Letter of Map Amendment and six Letters of Map Revision based on Fill that together cover every residential lot, and the lot counts match the county roll plat by plat, 802 of 802.
| FEMA case | Type | Determination date | Plat and lots | Lowest lot elevation, NAVD 88 | Resulting zone |
|---|---|---|---|---|---|
| 12-04-4256A | LOMA | 2012-05-17 | Saturnia Falls Phase One, Lots 1 to 190 | 14.6 ft | X (shaded) |
| 13-04-3486A | LOMR-F | 2013-03-21 | Riverstone Plat Three, Lots 191 to 352 | 14.8 ft | X (unshaded) |
| 13-04-3485A | LOMR-F | 2013-03-21 | Riverstone Plat Two, Lots 353 to 472 | 15.2 ft | X (unshaded) |
| 13-04-4802A | LOMR-F | 2013-06-18 | Riverstone Plat Four, Lots 473 to 536 and 569 to 590 | 14.1 to 16.8 ft | X (unshaded) |
| 14-04-1888A | LOMR-F | 2013-12-31 | Riverstone Plat Five, Lots 591 to 686 | 14.1 ft | X (shaded) |
| 14-04-7801A | LOMR-F | 2014-08-12 | Riverstone Plat Six, Lots 537 to 568 and 687 to 719 | 14.6 to 15.8 ft | X (shaded) |
| 15-04-5250A | LOMR-F | 2015-05-15 | Riverstone Plat Seven, Lots 720 to 802 | 14.9 ft | X (shaded) |
Source: FEMA Letters of Map Change for NFIP community 120067, Collier County unincorporated areas. FEMA mapped base flood elevations of 13.5 to 14.0 feet NAVD 88 across the community, and the lowest lot elevations FEMA certified run 14.1 to 16.8 feet, so the lots sit about 0.1 to 3.3 feet above base flood elevation. FEMA records the flooding source as ponding or ponding and overland flow, which is rainfall-driven, not storm surge.
The determination did not change the map, so the letter, not the map graphic, is the operative document. “The federal requirement does not apply” is not “no flood risk”: FEMA’s own sentence continues that the lender has the option to continue the flood insurance requirement, and a removal based on fill takes the lot out of the hazard area without taking the roads, lakes and common areas out of it. A lender, an insurer and a flood-zone vendor can each reach a different answer on the same address depending on whether they read the map or the letter.
Ask for three things by address before you waive anything: the FEMA case number for the plat in the table, the elevation certificate, and your lender’s flood position in writing. Collier County holds 199 FEMA elevation certificates for Riverstone addresses, 175 against Riverstone folios, 22 against Saturnia Falls Phase One folios and 2 unmatched, and the county’s Floodplain Management Section handles requests. Collier County is a Community Rating System Class 5 community, which carries a 25 percent discount on National Flood Insurance Program premiums per the county’s 2026 Flood Protection Newsletter.
The census tract containing Riverstone has had three National Flood Insurance Program claims in the history of the program. The only one paid was $11,713.12 on a structure built in 1985, twenty-seven years before the first Riverstone home, and the tract has no claims from Hurricane Ian or Hurricane Milton. We hold no address-level damage record for any Riverstone home, so a specific house’s history comes from the seller’s disclosure and the insurance loss history.
Before you offer on a Riverstone home, check four things: the opening protection and wind mitigation report, the roof covering and its age, the flood determination for the plat and a written insurance quote for the address. The 2012 to 2017 homes were built to a 159 to 160 mph design wind speed and are reaching first replacements of roofs and mechanicals.
Every Riverstone home was permitted under a post-2001 Florida Building Code, and 645 of the 802 (80.4 percent) were first built in 2013, 2014 and 2015. Collier County’s published wind maps put Riverstone at an ultimate design wind speed of 159 to 160 mph for Risk Category II, which covers ordinary single-family homes. That is 19 to 20 mph above the 140 mph threshold of a wind-borne debris region, so impact-rated glazing or code-approved shutters or panels are required on every glazed opening, seven miles inland just as on the beach. The owner chooses the method; the protection is not optional.
In 2026 these houses are 9 to 14 years old, so roofs, air handlers and water heaters arrive at their first real replacement window at about the same time across the community. Ask the seller for the roof date and covering, which openings carry impact glass and which carry shutters, and the wind mitigation inspection, because that document is what an insurer prices from. The recorded rules allow only barrel clay, concrete or flat tile roofing from the board-approved selections, so a replacement roof must stay within those choices.
NOAA’s surge modeling shows no inundation at any of the 848 parcels in a Category 1, 2 or 3 hurricane; surge first reaches the community in a Category 4, mostly at less than three feet above ground. Riverstone is in Collier County evacuation Zone E, the last zone called, outside the Coastal High Hazard Area and 4.48 miles north and east of US 41, the line where the National Weather Service placed Ian’s major surge flooding in Collier County. Hurricane Ian made landfall on September 28, 2022 in Lee County and Hurricane Milton on October 9, 2024 near Siesta Key; the county-level records for both are in the sources below.
Citizens Property Insurance carried 3,025 personal residential policies in all of Collier County on April 30, 2026 (2,002 multi-peril and 1,023 wind-only), and its Collier book was shrinking. Citizens publishes no count by community. Riverstone is outside the Coastal High Hazard Area, the band where the admitted market typically will not write wind, so buyers here normally shop the private market, but availability depends on the carrier and the house.
Flood is rated per structure under FEMA’s Risk Rating 2.0 and wind per carrier on opening protection, roof shape, roof deck attachment, roof-to-wall connection and roof age, so a community figure would mislead you. What we can give you is the inputs: three flood claims ever in the tract, lots certified above base flood elevation and homes built to a modern wind code with required opening protection. Get the quote from a licensed Florida agent for the address you want, before your inspection deadline.
Riverstone’s rules are recorded and specific: no For Sale signs, Sunday-only open houses, at most four leases a home in any 12 months with no community-wide cap on leased homes, a 45-day architectural review in which silence means denial, and parking only in driveways and garages. Read them before you write an offer.
The governing document is the Amended and Restated Declaration, instrument 5269104, recorded May 23, 2016, which replaced the 2011 Declaration and its six amendments; no amendment to it has been recorded since. The Rules and Regulations are recorded as well, with the certificate recorded June 12, 2019 as instrument 5725746, and later rule sets of June 21, 2024 and November 2025 are published to members. If someone hands you the 2011 Declaration, it is superseded; ask for the 2016 restatement by instrument number. Our Riverstone community guide walks through the whole chain.
No home may be leased more than four times in any 12-month period. Three of the four must carry a minimum term of 30 days and the fourth a minimum of six months; a lease ended early still counts, and only the entire home may be leased, with no subletting. Board approval is required through an application with a $100 fee, submitted at least seven business days ahead. The owner must notify the association within five days of signing a lease or the Declaration treats the lease as null and void, and leasing without approval draws a proposed fine of $100 a day up to $1,000. A full-text search of the Declaration, Bylaws, 2024 Rules and November 2025 additions finds no cap on how many homes may be leased at one time.
Riverstone does not allow rentals under 30 days, and advertising a rental of fewer than 30 days is itself a major violation under a rule recorded in 2020. If weekly or nightly rental income is part of your purchase plan, Riverstone’s recorded rules close that plan.
The Declaration permits common domesticated household pets and names breeds it bars, including pit bulls, rottweilers, dobermans and presa canarios, along with any dog meeting its definition of a dangerous dog. It sets no limit on the number of pets per home and no weight or size limit. Pets are not permitted in the recreation tract, leashes are required outside the home or a fenced area, and invisible fences are prohibited under a rule adopted April 17, 2023.
Approval is required before anything is installed, altered, painted or planted on the exterior. The architectural committee has 45 days after it receives all required materials, and if it does not approve in writing within 45 days the plans are deemed rejected. Deposits run $200, $2,500 or $5,000 by project type. The rules that most often catch a renovating owner:
Parking is limited to the driveway and garage of each lot, with no street or swale parking. Commercial vehicles, trailers, recreational vehicles and boats may be kept only inside a garage, and trucks larger than a full-size pickup may not be parked on the property. Golf carts must be electric, registered with a numbered decal and insured at least to Florida’s automobile minimum. Rules effective November 24, 2025 permit e-bicycles and e-scooters under bicycle traffic law and prohibit electric motorbikes.
Trash containers go to the curb no earlier than 5:00 p.m. the day before collection. Seasonal decorations may be displayed from October 15 to January 15. Hurricane shutters may cover openings only during a hurricane watch or warning. Portable storage containers may stay no more than 48 hours, and moves run between 8:00 a.m. and 9:00 p.m. Standing fines are $100 a day for several categories, and the posted speed limit inside the gate is 25 mph.
A special assessment after turnover normally needs two thirds of the members voting at a properly called meeting, but not for repair or replacement of damaged improvements on association property, capital improvements needed to prevent damage, or removing fallen trees. A post-storm assessment to repair the clubhouse, pool deck or entry can therefore be levied without a member vote. Management is Advanced Property Management Services, on site at the clubhouse.
Because Riverstone has a mandatory homeowners association, Section 720.401 of the Florida Statutes requires that you receive the disclosure summary before you sign the contract, and the contract must carry a conspicuous voidable-by-buyer clause. If the summary was not given, you may cancel by written notice within 3 days of receiving it or before closing, and that right cannot be waived.
Riverstone’s owners hold a 13,000 square foot clubhouse and recreation tract on 5.70 acres through the association, funded by the single $1,515 quarterly assessment, with no club, no membership and no buy-in, and Riverstone has no golf course, golf club or golf membership. The amenities are real property the owners own outright.
The association’s roster lists a resort-style main pool, a lap pool, a whirlpool spa, a water play and wading area, a fitness center open 5:00 a.m. to 11:00 p.m., a yoga and arts and crafts studio with a kiln, a game room, an air-conditioned indoor sports court, outdoor courts, five lighted tennis courts, a social room with a catering kitchen, a covered party pavilion, a community boardwalk, an open play field and complimentary community Wi-Fi. The clubhouse was built in 2014 and open by April 2015. A full-time community engagement coordinator and an on-site tennis pro are on the association’s staff list.
Residents and unaccompanied guests carry an Amenities Pass with a current photo. Guest passes cost $25 for guests over 15, and no more than four guests per household per day may use the recreation tract without prior approval. Pets are not allowed in the recreation tract. There is no lifeguard on duty at any pool, which the Rules and the Declaration both state. Access to the gate runs through a bar-code decal on the resident’s vehicle and a guest registration portal.
A 2020 board rule states that full and permanent use of the five tennis courts constructed by the developer shall be maintained for tennis play only. Pickleball is on the association’s amenity roster on the indoor and outdoor courts. The association office can confirm the current court striping and reservation system.
Article VII, Section 10 of the Declaration, headed Waiver of Use, states that no owner may release a lot from the assessment by waiving the use and enjoyment of association property. Every one of the 802 homes carries the full assessment and full access, and there is no optional tier.
The land was zoned as the Terafina PUD and entitled for 850 dwelling units and an eighteen-hole golf course on roughly 274 acres, and the 2004 rezone’s stated purpose was to eliminate the course. G.L. Homes built 802 homes and no course. The Collier County tax roll codes no parcel in the section as a golf course, and the Declaration defines no golf course, club or membership. The acreage became open space: 286 acres of association-owned preserve and water-management tracts, 45.1 percent of the 636.89-acre site, and 105 acres of lakes, 16.5 percent. The lakes are stormwater infrastructure, and Riverstone has no marina, dock or boat ramp. The Board of County Commissioners closed the PUD out as built out on April 22, 2025 by Resolution 2025-88. For a buyer, the practical meaning is one fee and no course frontage; the next section compares a neighboring community that has both a club and a course.
Riverstone addresses are assigned to Laurel Oak Elementary, Oakridge Middle and Aubrey Rogers High for the 2026-27 school year according to Collier County Public Schools, each holding a Florida A for 2025-26, and the gate is 1.68 road miles north of Immokalee Road, 3.00 miles from I-75 Exit 111 and 22.53 miles from Southwest Florida International Airport.
| Level | School | Road | Grades | FDOE grade 2025-26 | Road miles from the gate |
|---|---|---|---|---|---|
| Elementary | Laurel Oak Elementary School | Immokalee Road | PK-5 | A | 2.13 |
| Middle | Oakridge Middle School | Collier Boulevard | 6-8 | A | 4.31 |
| High | Aubrey Rogers High School | Patriot Place | 9-12 | A | 7.31 |
Source: Collier County Public Schools attendance-zone address database, zone year 2026-27, 14 Riverstone street addresses checked on September 14, 2026, all returning the same assignment; Florida Department of Education school grades 2025-26.
This is the 2026-27 zone year and nothing else; the district is the only authority on which school an address is zoned to, and the high school zone changed in 2023-24, so any page that names a different high school is out of date. An A is a dated result: Florida raised its grading thresholds for 2026-27. Busing is a district decision, not a distance calculation, so ask Collier County Public Schools Transportation.
| Destination | Road miles | Free-flow drive |
|---|---|---|
| Sprouts Farmers Market at Logan Landings | 1.92 | about 6 minutes |
| I-75, Exit 111 at Immokalee Road | 3.00 | about 7 minutes |
| Publix on Strand Boulevard | 3.44 | about 8 minutes |
| Founders Square, Immokalee Road at Collier Boulevard | 3.96 | about 9 minutes |
| NCH Emergency Department Northeast | 3.81 | about 9 minutes |
| Mercato | 8.10 | about 17 minutes |
| Delnor-Wiggins Pass State Park | 8.21 | about 17 minutes |
| Vanderbilt Beach Park | 9.50 | about 19 minutes |
| Fifth Avenue South, downtown Naples | 15.85 | about 26 minutes |
| Southwest Florida International Airport | 22.53 | about 31 minutes |
Every distance is a measured driving route from the gatehouse, and every time is a free-flow model time with no traffic loaded. Naples carries a heavy seasonal traffic difference, roughly December through April, so treat the times as a floor. A sweep of an area about 1.65 miles on a side around Riverstone found no shops or restaurants, and the nearest plaza is 1.79 miles and about 38 minutes on foot, so plan to drive.
Riverstone has exactly one vehicular entrance, and its address points span 0.97 miles north to south. A home on Crystal Way or Thunder Bay Circle is a materially different daily drive from a home on Pacific Drive, every trip. Drive it at 8:00 a.m. before you decide. The Collier Metropolitan Planning Organization records about 54,932 vehicles a day on Immokalee Road at Logan Boulevard against a 59,900 service volume and projects about 66,833 and a level of service of F by 2030; county projects on the corridor are responding. Nothing developable adjoins Riverstone, and our guide to buying a home in Naples covers the wider market.
Riverstone and Olde Cypress are neighboring gated North Naples communities of single-family homes with no CDD, and the difference a buyer feels is structure: Riverstone has 802 homes, one assessment and no club or golf, while Olde Cypress has 548 homes in nine neighborhoods, a mandatory club social membership and an 18-hole course.
Data updated: October 2026 (Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll and recorded qualified sales through August 31, 2026)
| Yardstick | Riverstone | Olde Cypress |
|---|---|---|
| Homes | 802 single-family homes, one association | 548 single-family homes in nine neighborhoods |
| Club | None; residents own the amenity campus | Social membership mandatory by recorded covenant, golf optional |
| Golf | None | 18 holes, par 72, opened 1999 |
| Community development district | None | None |
| Published association cost | $1,515 a quarter, $6,060 a year | No association or club dollar amount published |
| MLS closings, 12 months | 36 to September 15, 2026 | 26 to September 26, 2026 |
| Median sold price, MLS | $927,500 | $1,105,000 |
| Median $ per living sq ft, MLS | $342.91 | $472.75 |
| Median days on market | 58 | 29 |
| Median sold-to-list | 94.78 percent | 97.52 percent |
| Months of supply | 4.7 | about 2.3 |
| County recorded qualified sales | 28, median $910,000 (12 months, file dated August 29, 2026) | 24, median $1,142,500 (12 months, file dated August 29, 2026) |
Source: Southwest Florida MLS Matrix and the Collier County Property Appraiser record for each community; the two MLS pulls are 11 days apart, and each community’s figures stay in its own record.
Riverstone fits a buyer whose list is a detached house built 2012 to 2017, one published assessment with the amenity campus included, no club purchase or course frontage, a lot on a lake or preserve (70.7 percent of homes), and a market with more negotiating room, shown by the 94.78 percent sold-to-list and 4.7 months of supply. It does not fit a buyer who wants golf inside the gate.
Olde Cypress fits a buyer who wants an 18-hole course beside the house and a club inside the gate, who is willing to accept a club social membership with the deed, and who is comfortable that neither the club nor the nine neighborhood associations publish their dollar figures. Its market was faster and closer to list over the window above. For that community, read our Olde Cypress buyer guide and its community guide.
Buyers often tour more than two places, and each of these nearby North Naples communities has its own buyer guide: The Strand with its community guide, Island Walk with its community guide, and Forest Glen with its community guide.
We find a Riverstone home by setting MLS alerts to your plan size, lot position and price and negotiating from the record: only 2 of 36 closings reached list, the median list-to-sold gap was $50,000, and the gap ran from a $27,500 median in homes under 2,400 square feet to $100,000 at 3,500 square feet and over.
Riverstone’s recorded Rules state that For Sale signs are not to be displayed for any reason, and open houses are allowed on Sundays only with community-approved signage in designated places. There is one staffed gate and no through traffic. You will not find a Riverstone listing by driving the streets, so the search runs on alerts, on agent-to-agent contact and on a Sunday tour schedule that we set around the open houses that day.
Data updated: October 2026 (Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll and recorded qualified sales through August 31, 2026)
| Living area band | Closings | Median list-to-sold gap | Gap range | Median sold-to-list | Closed at or above list |
|---|---|---|---|---|---|
| Under 2,400 | 15 | $27,500 | $0 to $99,000 | 96.78% | 2 |
| 2,400 to 2,999 | 3 | $75,000 | $65,000 to $100,000 | 93.50% | 0 |
| 3,000 to 3,499 | 11 | $50,000 | $15,000 to $125,000 | 94.74% | 0 |
| 3,500 and over | 7 | $100,000 | $25,000 to $170,000 | 93.97% | 0 |
| All Riverstone | 36 | $50,000 | $0 to $170,000 | 94.78% | 2 |
Source: Southwest Florida MLS Matrix, Riverstone closed set, 12 months to September 15, 2026. The gap is each home’s list price less its sold price, and the median is the middle of those gaps. The 2,400 to 2,999 band has only 3 closings, so read it with care.
In a Riverstone offer the price is one line. We also negotiate the roof and mechanical findings that a 9 to 14 year old house produces, the seller’s cooperation with the sales application and estoppel timeline, who carries the $3,030 capital contribution (the Bylaws charge it to the buyer, so any seller contribution has to be written into the contract), and the closing date against the association’s seven-business-day application lead time.
Because open houses are limited to Sundays, we schedule private showings through the gate for the other days and register your guests in the resident portal. Showings that need gate registration take a step more than a typical listing, which is one more reason to tour with an agent who has done it.
Buyer’s agent compensation in 2026 works under the National Association of Realtors settlement practice changes effective August 17, 2024: you sign a written agreement with your agent before touring a Riverstone home, the agreement states the compensation as an amount or rate that is negotiable and not set by law, and offers of compensation can no longer be made on the MLS.
MLS participants must have a written agreement with a buyer before touring a home, in person or by live virtual tour; casual conversation at an open house does not trigger it. The agreement must disclose the agent’s compensation conspicuously as a specific amount or rate, not open-ended, no more than what is agreed from any source, and state that fees are negotiable and not set by law.
A seller may still offer to pay or contribute toward a buyer’s agent, but the offer cannot be made on the MLS; it is made outside it, and sellers may offer buyer concessions on the MLS. In a Riverstone offer, a contribution toward your costs is therefore a negotiating term, not a listing field. Our agreement states our compensation in writing before the first tour. Read the rules at the National Association of Realtors’ page on what the settlement means for buyers and sellers.
To see the live Riverstone listings, use the Domain Realty Group Riverstone page; on September 15, 2026 the Southwest Florida MLS showed 14 active Riverstone homes at a $1,199,000 median list, and because Riverstone has no For Sale signs, set up listing alerts through our buying page and call Marc for today’s count.
See the current Riverstone listings at the Domain Realty Group Riverstone page, which is where we send inventory searches so that this page can stay a guide to buying.
Set up custom listing alerts through our buying page, where saved searches route to our team, and call Marc at (239) 287-5873 for a count and a list of homes that have come to market since the September 15, 2026 pull.
To start your Riverstone buyer consultation, call Marc at (239) 287-5873 or use the buyer consultation form on this page. We reply with the active Riverstone homes that fit your plan size and budget, the closings that match them, the monthly cost of each and the documents to request first.
A list of active homes and the matching closings, the association documents and FEMA case number for each plat, a monthly cost sheet built from the $1,515 quarterly assessment and the county tax record, and a plan for your tours and your first offer. It is confidential and carries no obligation. Marc leads buyer representation; Jesse leads listings and seller strategy.
Call Marc at (239) 287-5873, or use the buyer consultation form or our buying page. Selling a home before you buy? Call Jesse direct at (239) 898-6072. You are working with Top 1% Real Estate Agents Nationally Since 2008.
Marc Comisar and Jesse McGreevy are top-reviewed Southwest Florida realtors; you can read every review on our Google Business Profile. These are a few in clients’ own words from buyers across Southwest Florida who worked with Marc.
★★★★★ “Marc is extremely knowledgeable, professional and a true pleasure to work with. He kept us informed throughout the process and went over and beyond our expectations to ensure an extremely smooth process.” Verified Google review
★★★★★ “Marc was great! He helped us find a place that matched our needs, without trying to upsell us into something too big. And he’s helped us settle into the area. 100% recommendation!” Verified Google review
★★★★★ “Marc is one of the most down to earth realtors that really listens to your needs and is exceptional at finding the right house.” Verified Google review
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These are the questions Riverstone buyers ask us, answered from the Southwest Florida MLS pull of September 15, 2026, the Collier County certified 2026 roll and recorded sales through August 31, 2026, the association’s recorded instruments, FEMA’s determinations and Florida law. For the count and the rules as they stand today, call Marc at (239) 287-5873; you are working with Top 1% Real Estate Agents Nationally Since 2008.
The Southwest Florida MLS recorded 36 Riverstone closings in the 12 months to September 15, 2026, from $605,000 to $2,225,000 with a $927,500 median. The Collier County record counted 28 qualified sales in the 12 months to August 31, 2026 at a $910,000 median. They are different records and are never blended.
Riverstone is one gated community of 802 single-family homes on 848 parcels in North Naples, ZIP 34119, built by G.L. Homes from 2012 to 2017 in unincorporated Collier County. All 802 belong to one association, Riverstone at Naples Homeowners Association, Inc.
On September 15, 2026 the Southwest Florida MLS showed 14 active homes at a $1,199,000 median list price, from $719,900 to $2,195,000, about 4.7 months of supply. That pull is six weeks old on the day this page was published, so call Marc at (239) 287-5873 for today’s count.
The median home sold after 58 days on market in the 12 months to September 15, 2026, with a range from 0 to 319 days. Thirteen of the 36 closed within 30 days on market and 10 took more than 120 days, so the pace depends heavily on the home and its price.
The median list-to-sold gap was $50,000 on 36 MLS closings, and only 2 closed at or above list. The median gap ran from $27,500 in homes under 2,400 square feet to $100,000 in homes of 3,500 square feet and over, with a median sold-to-list ratio of 94.78 percent.
The association’s published 2026 assessment is $1,515 a quarter, $6,060 a year or $505 a month, due January 1, April 1, July 1 and October 1. Every lot pays the same amount, and the Declaration does not let an owner opt out by declining to use the amenities.
It funds the private streets, the gatehouse and access control, the clubhouse and everything on it, the twelve lake tracts and drainage system, the preserve tracts, common landscaping, perimeter walls, street lights, reserves and on-site management. It does not cover garbage collection, water and sewer, electricity or private alarm monitoring.
It is twice the quarterly assessment, $3,030 at 2026 rates, charged to a buyer of a resale home at closing under Bylaws section 9.8, recorded as instrument 5750719. It sits in the Bylaws, not the Declaration, and it reprices when the board changes the quarterly assessment, so confirm the amount on the estoppel certificate.
The Bylaws charge it to the purchaser at closing. A seller contribution toward it has to be written into the contract, because the association will collect it from the buyer regardless. We confirm the figure on the estoppel certificate before your inspection period ends.
On the Collier County certified 2026 roll the median total tax bill across the 802 homes is $6,684.57, from $269.77 to $14,536.69, where the bottom is a fully exempt home. The median is $6,181.77 for the 581 homesteaded homes and $8,019.49 for the 221 that are not.
No. A new owner’s assessment resets to just value, and the Save Our Homes cap does not carry to a buyer except through portability from a prior Florida homestead. The two medians above show the range, and Florida law requires the seller to give you a property tax disclosure summary before the contract is signed.
No. Riverstone has no community development district and no sub-association; all 802 homes carry a non-ad valorem line of $269.77 on the certified 2026 roll and no district line. The one association assessment is the only recurring community charge outside the tax bill.
No. The land was entitled in the Terafina PUD for 850 dwelling units and an eighteen-hole course, the 2004 rezone’s stated purpose was to eliminate the course, and G.L. Homes built 802 homes and no course. Riverstone has no golf club or golf membership.
There are two answers, in this order. The effective FEMA map places all 848 parcels in a Special Flood Hazard Area, Zone AH for 771 parcels and Zone AE for 77. Seven FEMA determinations between 2012 and 2015 then removed all 802 homes from it, stating the federal mandatory purchase requirement does not apply.
The federal mandatory purchase requirement does not apply to the 802 homes under the seven FEMA determinations, but FEMA’s own wording leaves the lender the option to continue the requirement. Ask your lender in writing and get a written flood quote for the address before you waive anything.
Collier County’s published wind maps put Riverstone at an ultimate design wind speed of 159 to 160 mph for Risk Category II. The homes were permitted under a post-2001 Florida Building Code, and 645 of the 802 (80.4 percent) were first built in 2013, 2014 and 2015.
Because the design wind speed is 19 to 20 mph above the 140 mph threshold of a wind-borne debris region, impact-rated glazing or code-approved shutters or panels are required on every glazed opening. The owner chooses the method. Ask the seller which openings carry which, and for the wind mitigation report.
The homes are 9 to 14 years old in 2026, so first roof replacements are arriving across the community at about the same time. Ask the seller for the roof date and covering; the recorded rules allow only barrel clay, concrete or flat tile from the board-approved selections, so a replacement must stay within those choices.
Yes, within limits. No home may be leased more than four times in any 12-month period, three of the four leases must run at least 30 days and the fourth at least six months, only the entire home may be leased, and the board approves each lease through an application with a $100 fee.
No. Riverstone does not allow rentals under 30 days, and advertising a rental of fewer than 30 days is itself a major violation under a rule recorded in 2020. If nightly or weekly rental income is part of the plan, the recorded rules close it.
No. The recorded Rules state that For Sale signs are not to be displayed for any reason, and open houses are allowed on Sundays only with community-approved signage in designated places. That is why a Riverstone search runs on alerts and agent contact rather than on driving the streets.
Common domesticated household pets are permitted. The Declaration bars named breeds including pit bulls, rottweilers, dobermans and presa canarios, sets no limit on the number of pets per home, requires leashes outside the home or a fenced area and bars pets from the recreation tract. Invisible fences are prohibited under a rule adopted April 17, 2023.
Metal and aluminum roofs are not permitted. Fences may only be bronze aluminum rail, four to five feet high and set back at least 10 feet from the front wall of the home. All exterior changes need architectural approval first, and silence from the committee after 45 days means the plans are deemed rejected.
Parking is limited to the driveway and garage of each lot with no street or swale parking. Commercial vehicles, trailers, recreational vehicles and boats may be kept only inside a garage, and trucks larger than a full-size pickup may not be parked on the property.
For the 2026-27 school year, according to Collier County Public Schools, Riverstone addresses are assigned to Laurel Oak Elementary, Oakridge Middle and Aubrey Rogers High, each with a Florida A for 2025-26. The district is the only authority on an address, so verify with the district’s lookup before you rely on it.
Measured from the gatehouse, I-75 Exit 111 is 3.00 road miles and about 7 minutes, Vanderbilt Beach Park 9.50 miles and about 19 minutes, Fifth Avenue South 15.85 miles and about 26 minutes, and Southwest Florida International Airport 22.53 miles and about 31 minutes, free-flow with no traffic loaded.
Owners hold a 13,000 square foot clubhouse and recreation tract on 5.70 acres, with a resort-style main pool, a lap pool, a fitness center, five lighted tennis courts, an indoor sports court, a game room, a social room with a catering kitchen and a community boardwalk. There is no lifeguard at any pool.
Section 720.401 of the Florida Statutes requires the seller to give you the homeowners’ association disclosure summary before you sign, and the contract must carry a conspicuous voidable-by-buyer clause. If it was not given, you may cancel by written notice within 3 days of receiving it or before closing, and that right cannot be waived.
The association’s 2026 sales application carries a $100 non-refundable fee and must reach the management office at least seven business days before closing. It asks for the executed contract, identification for every applicant and every occupant over 18, an access control form and consents for electronic communication.
In Collier County the buyer customarily pays the owner’s title policy and chooses the closing agent, and the contract controls. At Florida’s promulgated rate the owner’s policy on a $927,500 price is an estimated $4,712.50, with a lender’s policy, settlement fee and recording additional.
By Florida custom the seller pays documentary stamps on the deed at $0.70 per $100, which is $6,492.50 on a $927,500 price. It is not part of a buyer’s cash to close unless the contract says otherwise.
On a $927,500 purchase with 20 percent down, principal and interest on a $742,000 loan is $5,056.72 a month at 7.24 percent for 30 years, using Freddie Mac’s survey for the week of 10/29/2026. Adding the association at $505 and the median tax at $557.05 gives $6,118.77 before insurance, which is illustrative and not a lender quote.
Yes, since August 17, 2024. MLS participants must have a written agreement with a buyer before touring a home, in person or by live virtual tour, and it must state the compensation as an amount or rate that is negotiable and not set by law. Casual conversation at an open house does not trigger it.
Compensation is whatever your written agreement says. A seller may still offer to pay or contribute toward it, but the offer cannot be made on the MLS; it is made outside it, and sellers may offer buyer concessions on the MLS. In a Riverstone offer that is a negotiating term.
It depends on the property priorities. Riverstone has 802 homes, one published assessment, an owned amenity campus and no golf; Olde Cypress has 548 homes in nine neighborhoods, a mandatory club social membership and an 18-hole course. The comparison table above sets the two records side by side.
Set MLS alerts to your plan size, lot position and price, and let your agent watch for new listings and agent-to-agent contact. We also arrange private showings through the gate on days other than Sunday and register your guests in the resident portal.
Water or preserve behind the house is the first cut. Measured from county parcel polygons, 406 of the 802 homes (50.6 percent) sit on a lake and 70.7 percent back to a lake or a preserve. Riverstone also has exactly one vehicular entrance, so the street you choose sets every daily drive.
You can order a home inspection and wind mitigation report under your contract, and you can request the elevation certificate by address. Collier County holds 199 FEMA elevation certificates for Riverstone addresses, and the county’s Floodplain Management Section handles requests.
If you need to sell your current home to buy in Riverstone, start with our guide to selling a Riverstone home if you already own one here, or the Riverstone home valuation guide if you want to know what a home is worth first. The Riverstone community guide covers the land, the history and the amenities.
Selling and buying overlap on the calendar, and Riverstone adds a step: the association’s sales application must reach management at least seven business days before closing and the $3,030 capital contribution is due at that closing. Jesse leads listings and seller strategy; call Jesse direct at (239) 898-6072 for your current home, or request your buyer consultation and call Marc at (239) 287-5873 for the purchase.
Buyers who tour Riverstone often look at the rest of Naples as well. Our Riverstone community guide and the buyer guides above hold the figures for the nearby communities we cover.
Every figure on this page traces to a primary source below: the Southwest Florida MLS, the Collier County record, the association’s own recorded instruments, FEMA, the National Flood Hazard Layer, Collier County Public Schools, Freddie Mac, the National Association of Realtors and the Florida Statutes. The MLS is a member login system and is cited as plain text. We cite no brokerage or listing portal.
These official documents bear most directly on buying in Riverstone, from the statutes that set the buyer’s disclosure and the estoppel certificate to the association’s governing documents and dues page, the FEMA map service, the district’s attendance lookup and the weekly mortgage survey. Each link opens the issuing authority’s own copy.
| Document | Issued by | What it tells a buyer | Link |
|---|---|---|---|
| Section 720.401, prospective purchasers | Florida Legislature | The disclosure summary and your cancellation right | Read section 720.401 |
| Section 720.30851, estoppel certificates | Florida Legislature | What the association must certify and the fee caps | Read section 720.30851 |
| Section 689.261, tax disclosure | Florida Legislature | The property tax disclosure summary from the seller | Read section 689.261 |
| Governing Documents library | Riverstone at Naples Homeowners Association | The Declaration, Bylaws, amendments, Rules and fines schedule | Open the library |
| Quarterly Association Dues | Riverstone at Naples Homeowners Association | The $1,515 quarterly assessment and its due dates | Open the dues page |
| Resale and Rental Information | Riverstone at Naples Homeowners Association | The 2026 sales and lease applications | Open the page |
| FEMA Map Service Center | Federal Emergency Management Agency | Panels and Letters of Map Change for community 120067 | Open the portal |
| Attendance zone lookup | Collier County Public Schools | The district’s own school assignment by address | Open the lookup |
| Primary Mortgage Market Survey | Freddie Mac | The weekly 30-year and 15-year fixed averages | Open the survey |
| What the NAR settlement means for buyers | National Association of Realtors | The written agreement and compensation rules | Open the NAR page |
| Documentary stamp tax | Florida Department of Revenue | Deed, note and mortgage stamp rates | Open the page |
| Policies in Force, April 30, 2026 | Citizens Property Insurance Corporation | Collier County policy counts by product line | Open the report |
The association does not publish its operating budget, reserve schedule or estoppel fee; those come with the estoppel certificate and the resale documents at a sale, and recorded instruments can be requested from the Collier County Clerk.
If you’re searching for “the best buyer’s agent in Riverstone, Naples, Florida,” McGreevy and Comisar represents homebuyers across Estero, Bonita Springs, Naples, Fort Myers, Lee County, Collier County and Babcock Ranch. Whether you’re relocating, snowbirding, investing or upgrading, our team provides honest market guidance, partner-level negotiation and a clear plan to help you buy confidently, starting from the Riverstone community guide.
Jesse McGreevy and Marc Comisar lead Domain Realty Group, the #5 real estate team in Florida (RealTrends 2026), from its office at 24031 S Tamiami Trl #101 in Bonita Springs. We tracked every Riverstone MLS closing and active listing named on this page before writing it. Jesse leads listings and seller strategy and Marc leads buyer representation and negotiation. Read more about McGreevy and Comisar.
Jesse McGreevy lists and sells homes across Naples, Bonita Springs, Estero and Marco Island. Call Jesse direct at (239) 898-6072.
Marc Comisar represents buyers and sellers across Southwest Florida. Call Marc at (239) 287-5873.
Top 1% Real Estate Agents Nationally Since 2008
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#1 Team in Southwest Florida since 2012
McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate
McGreevy and Comisar alone have over $900 million in Sales
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Jesse McGreevy: (239) 898-6072 · [email protected]
Marc Comisar: (239) 287-5873
Office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134
Jesse McGreevy (license SL3101296) and Marc Comisar (license BK3060671) are licensed Florida real estate professionals regulated by the Florida Real Estate Commission (FREC) under Chapter 475, Florida Statutes.
Buying in Riverstone? Start your Riverstone buyer consultation or call Marc at (239) 287-5873. Selling first? Call Jesse direct at (239) 898-6072, or read our guide to selling a Riverstone home and the Riverstone home valuation guide. See how we represent buyers.
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McGreevy and Comisar lead Domain Realty Group, a full-service Southwest Florida real estate team. Learn more about our team at DomainRealtyGroup.com. Read more about McGreevy and Comisar or contact us.
Market data from the Southwest Florida MLS, pulled September 15, 2026. Collier County certified 2026 roll and recorded sales through August 31, 2026. McGreevy and Comisar, buy a home in Riverstone with the #1 Team in Southwest Florida since 2012. Brokered by Domain Realty. Jesse McGreevy, FL Lic. SL3101296 · Marc Comisar, FL Lic. BK3060671.